Fresh Start Accounts
A Fresh Start Basic or Fresh Start Checking account is a great place to start your journey, offering all the conveniences of a checking account, yet designed with the appropriate safeguards in place to help promote sound financial management. An AmeriCU representative will connect you with the Fresh Start account level that is right for you!
Both Fresh Start Accounts feature:
- An AmeriCU Visa Debit Card
- Online & Mobile Banking
- ATM and AmeriCU ITM Access
- Overdraft Coverage (when connected to your Savings)
- Voice Banking over-the-phone
- Money Management tools
- and more!
We’ll also go over any of the safeguards you may experience as part of the Fresh Start process, such as:
- Low monthly maintenance fees,
- Debit card transaction limits,
- ATM withdrawal limits,
- Restricted access to specific eServices,
- No Courtesy Pay coverage.
Once you’ve established healthy financial habits over the course of one calendar year and haven’t experienced any insufficient funds or fees for any returned transactions, you’re eligible to graduate to the next level of AmeriCU’s official Checking Accounts!
Interested in learning more? Click ‘Let’s Connect’ in the bottom right-hand corner to get a Fresh Start with an AmeriCU representative now. Or, visit any AmeriCU location to get started*.
AmeriCONNECT Visa® Secured Credit Card
- Credit lines from $500-$5,000 (the credit limit equals the balance in your Secured Share)
- Features a non-variable 15.90% APR on purchases**
- Great for beginning or rebuilding credit.
- View AmeriCONNECT Visa Application & Solicitation Disclosure
- View AmeriCONNECT Visa Agreement
Financial Counseling
Available online and in-person, connect one-on-one with our certified credit union financial counselors can provide you with personalized guidance. We can help you:
- Review your credit report;
- Learn ways to budget;
- Navigate financial hardships;
- Set long-term goals;
You may also be interested in
Savings Accounts
Featuring a variety of savings solutions for a safe and secure place to save more of what you earn.
Wellness & Education
We offer online courses on a variety of topics. Or, join us in-person for free financial presentations.
Financial Calculators
These tools can help you determine your financial behavior and help you find opportunities for improvement.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Charitable Foundation Delivers 360 Books to Madison-Oneida BOCES Students
The AmeriCU Charitable Foundation recently visited Madison-Oneida BOCES to share 360 books with students as part of the “One School, One Book” initiative. AmeriCU volunteers spent their visit reading with students and personally handing out a book to each child.
Events
Syracuse Heart Walk
AmeriCU is proud to once again support the Syracuse Heart Walk. Learn more about the event and join our team as we walk for a lifesaving cause.
Education
Debt Repayment
One way to maximize your finances is by paying down your existing debt. Watch as Gabe learns how to take charge of his money and repay his debts.
*Fees and restrictions apply. For more information and eligibility requirements, visit your local Financial Center today.
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.